STATE OF OPTIONAL RETIREMENT PROGRAM RETIREE HEALTH BENEFITS FOR ORP PARTICIPANTS HIRED BEFORE JULY 1, 2011

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1 STATE OF OPTIONAL RETIREMENT PROGRAM RETIREE HEALTH BENEFITS FOR ORP PARTICIPANTS HIRED BEFORE JULY 1, 2011 State of Maryland Optional Retirement Program (ORP) Handbook f Retiree Health Benefits

2 Introduction The State of Maryland ORP handbook f health benefits was developed to assist ORP-eligible employees and retirees of Maryland State institutions of higher education to understand the options available to them under the Optional Retirement Program. F assistance, please contact your facility Institution Benefits Codinat. Additional infmation is also available on the Department of Budget and Management s website, by selecting State Employees and Health Benefits. The infmation presented in this handbook is subject to legislative change and judicial interpretation and does not supersede n restrict procedures authity established under State statute. If there are questions of interpretation, the provisions of the State Personnel and Pensions Article of the Annotated Code of Maryland will control to resolve them. Developed by the Department of Budget and Management/Employee Benefits Division in cooperation with the University System of Maryland Revised March 2012 i

3 Table of Contents Page Introduction i Health Benefits - Eligibility and Cost 2 Frequently Asked Questions 6 Combining Service Subsidy Scenarios 9 Wksheet 16 Definitions 18 Appendix Annotated Code of Maryland Personnel and Pensions Subtitle 5. Health and Welfare Benefits Program ORP Retirees State Retirees 21 ii MARYLAND OPTIONAL RETIREMENT PROGRAM

4 Notes iii

5 HEALTH BENEFITS Eligibility and Cost The infmation in this section is included in the annual Health Benefits Guide and is suppted by the Annotated Code of Maryland See Appendix f Annotated Code of Maryland ORP Retirees and State Retirees

6 OPTIONAL RETIREMENT PROGRAM (ORP) RETIREES (f Maryland ORP Service) There are special rules governing your eligibility and costs f health benefits if you are a Retiree of an ORP. Current and fmer ORP vends include: Teachers Insurance and Annuity Association College Retirement Equities Fund (TIAA-CREF), Fidelity Investments, AIG-Valic, American Century and ING. Eligibility State Subsidy Amount How You will Pay f Benefits You are eligible f health benefits with maximum, partial, no State subsidy beginning with the first day of the month in which you receive your first periodic distribution from your Maryland ORP account if you meet one of the following criteria: Receipt of a periodic distribution from your Maryland ORP account directly follows the end of your employment with a Maryland State institution of higher education as an ORP participant and your ORP participation is equal to at least five years of full-time employment You ended service with a Maryland State institution of higher education when you were at least age 57 and had service equal to at least 10 years of full-time employment with contributions to a Maryland ORP account; You ended service with a Maryland State institution of higher education with service equal to at least 16 years of full-time employment with contributions to a Maryland ORP account; Note: One year of employment at 50% of standard wk hours with contributions to a Maryland ORP account provides six months of applicable ORP service. If you stop receiving a periodic distribution from your Maryland ORP account, you will no longer be eligible f health benefits. Lump sum payments, supplemental retirement accounts, non- Maryland State institution service do not count towards eligibility f enrollment in, State subsidy f, Retiree health benefits. NOTE: You must first be eligible (column one) in der to receive any State subsidy. Maximum Individual/No Dependent State subsidy if you: Retire directly from a Maryland State institution of higher education and have service equal to at least 16 years of full-time employment with contributions to a Maryland ORP account. Partial Individual/No Dependent State subsidy if you: Retire directly from a Maryland State institution of higher education and have service equal to at least five years but less than 16 years of full-time employment with contributions to a Maryland ORP account. No Individual Dependent State subsidy if you: Do not retire directly upon ending ORP service with a Maryland State institution of higher education, with the following exception: If you are an ORP Retiree with 25 me full years of regular State service in any branch of State government, you may be eligible f the maximum State subsidy of the coverage f you and your dependent(s), even if you do not retire directly from a Maryland State institution of higher education. A letter explaining the payment process will be mailed to the address provided on your enrollment fm along with payment coupons f the first month of coverage through the end of the plan year. (July through June f fms processed during the Open Enrollment period.) Payments must begin with the first coupon received and are due the first of every month, with a 30-day grace period. Payments cannot be skipped. All benefits are inactive and claims will not be processed until the Employee Benefits Division receives payment. Untimely payments result in a delay in using services and/ processing claims. Payments not postmarked within the 30-day grace period may result in the termination of your coverage and you may not be permitted to re-enroll until the next Open Enrollment period. Payment may be made in advance to cover any all coupons(s) received, but must be made in full monthly increments. Payment deadlines are strictly enfced. If you do not receive payment coupons within one month of signing your enrollment fm, please contact the Employee Benefits Division. Complete a Retiree Health Benefits Enrollment Fm and a State of Maryland ORP Packet, obtained from an Institution Benefits Codinat at a Maryland State institution of higher education, the Department of Budget and Management s website, by mail from the Employee Benefits Division. NOTE: ORP and MSRPS service cannot be combined if less than 25 years, but if an ORP retiree is eligible f retiree health benefits and State subsidy by each system independently, the percentage subsidy suppted by each system may be combined. See the Scenarios - Combining Service Subsidy section in this handbook. 2

7 SURVIVING ELIGIBLE DEPENDENT BENEFICIARIES OF DECEASED ORP RETIREES (f Maryland ORP service) Eligibility State Subsidy Amount How You will Pay f Benefits You are eligible f health benefits if you are the surviving spouse child of an eligible deceased ORP Retiree and: You meet the spouse child dependent eligibility criteria f health benefits; and You are receiving a periodic distribution of benefits from the Retiree s Maryland ORP. No State subsidy if the Retiree had less than 25 years of Maryland State service. Maximum State subsidy if the Retiree had 25 me full years of regular employment with the State in any branch of government; you may be eligible f the maximum State subsidy even if the Retiree did not retire directly from a Maryland State institution of higher education. Same as ORP Retirees (see previous page). Complete a Retiree Health Benefits Enrollment Fm and a State of Maryland ORP Packet, obtained from an Institution Benefits Codinat at a Maryland State institution of higher education, the Department of Budget and Management s website, by mail from the Employee Benefits Division. If the beneficiary is a spouse, the spouse may cover herself/himself and any children who would be eligible dependent children of the deceased Retiree if the Retiree were still living. If the beneficiary is a child, the child may enroll in health benefits as long as he she meets the health benefits criteria f dependent children. When the child no longer meets the dependent eligibility requirements f children, retiree group health benefits end. Continued health benefits are available under the Consolidated Omnibus Budged Reconciliation Act (COBRA) f up to 36 months with no State subsidy and a 2% administration fee. Dependent beneficiaries who were enrolled in Term Life Insurance as a dependent at the time of the Retiree s death must contact the Term Life Insurance carrier within 30 days in der to convert their coverage to an individual policy f continued Plan names and phone numbers are listed in the annual Health Benefits Guide. If an ORP Retiree Beneficiary has a break in all coverage in the Health Benefits Program f any reason, voluntary involuntary, documentation confirming the continuous and current receipt of a periodic distribution from the Maryland ORP must be provided to qualify f re-enrollment. NOTE: Retirees and/ spouses of deceased ORP retirees must continuously be receiving a periodic distribution from a Maryland ORP account to maintain eligibility f Retiree health benefits. If you stop receiving a periodic distribution from your Maryland ORP account, you will no longer be eligible f health benefits. Failure to notify the Employee Benefits Division if/when you are no longer receiving a periodic distribution from your Maryland ORP account will result in your owing the State f any subsidy you received after the month in which your last Maryland ORP distribution was received. 3

8 MARYLAND STATE RETIREMENT SYSTEM RETIREES (f non-orp State Employment) Eligibility State Subsidy Amount How You will Pay f Benefits You are eligible f benefits if you are a State Retiree who is currently receiving a monthly State retirement allowance and meet one of the following criteria: You ended State service with at least 16 year of You retired directly from State service with at least five years of You ended State service (deferring your retirement allowance) with at least 10 years of creditable service and within five years of nmal retirement age; You retired from State service with a disability retirement allowance; Your State service ended befe July 1, NOTE: You must first be eligible (column one) in der to receive any State subsidy. Maximum State Subsidy if: You retire with 16 me years of You receive a disability retirement; You retired from State service befe July 1, Partial State subsidy if you have at least five years of State creditable service, but less than 16. F example, if you have 10 years of State creditable service, you would receive 10/16 of the maximum State subsidy. Premiums will be deducted from your monthly retirement allowance. If your monthly allowance does not accommodate deductions of any all premiums, you will be billed f the premiums that were not deducted. Only whole plan premiums will be deducted. You will receive coupons f the first month no deduction was taken through the end of the plan year. Coupons f fms processed during Open Enrollment, f premiums that could not be deducted, are mailed in August f the plan year (July June). Premium payments are due on the first day of every month, with a 30-day grace period (Exception: July premiums are due upon receipt of the coupons, with a 30-day grace period). If payment is not postmarked within the 30-day grace period, coverage in the plans f which payment was not received may be terminated and you may not be permitted to re-enroll until the next Open Enrollment Period. Note: Retirees of a County that participates with the State Retirement System are not eligible f health benefits coverage through the State Employee and Retiree Health and Welfare Benefits Program. Certain other Retirees, such as Retirees of the Maryland Environmental Service the University of Maryland Medical System that receive a State retirement allowance may be eligible. Contact your Institution Benefits Codinat the Employee Benefits Division if you think you may be eligible. SURVIVING ELIGIBLE DEPENDENT BENEFICIARIES OF DECEASED MARYLAND STATE RETIREMENT SYSTEM RETIREES (f non-orp State Employment) You are eligible f benefits if you are a surviving spouse child of a deceased State Retiree and: you meet the dependent eligibility criteria f health benefits; and you receive a monthly State retirement allowance as the surviving beneficiary of a deceased Retiree. Beneficiaries receive the same State subsidy that the Retiree was entitled to receive. See above section. Same as Maryland State Retirement System Retirees (see above). Beneficiaries who were enrolled in dependent Term Life Insurance at the time of the Retiree s death must contact the Term Life Insurance carrier within 30 days to convert their coverage to an individual policy in der to continue Plan names and phone numbers are listed in the annual Health Benefits Guide. If the beneficiary is a spouse, the spouse may cover herself/himself and any children who would be eligible dependent children of the deceased Retiree if the Retiree were still living. If the beneficiary is a child, the child may enroll in State subsidized health benefits as long as he she meets the health benefits criteria f dependent children. When the child no longer meets the dependent eligibility requirements f children, subsidized health benefits end. Non-subsidized benefits under COBRA are available f up to 36 months. 4

9 FREQUENTLY ASKED QUESTIONS? Frequently Asked Questions

10 1. Will dependent documentation be required f dependents that were covered on the active employee policy immediately pri to retirement? No, documentation will not be required f dependents that are currently enrolled. 2. If an employee wked at a Maryland institution of higher education as both a member of the Maryland State Retirement and Pension System (MSRPS) and the Optional Retirement Program (ORP), would he/she have to complete Fms 1, 2, 3 and 4? Yes. Fms 1 and 2 are only f repting service with Maryland ORP participation; any Maryland State non-orp service in a position eligible f MSRPS participation (including non-orp employment with Maryland State institutions of higher education) should be repted on Fms 3 and Why should ORP retirees verify service with State agencies (Fms 3 and 4) when agencies don t participate in the ORP? Will it increase their amount of State subsidy? ORP retirees can combine Maryland ORP service and MSRPS service if the combined service equals 25 years me. Service cannot be combined if the combined service equals less than 25 years. However, there is another reason f repting any Maryland State non-orp service in a MSRPSeligible position (either with a State institution a State agency). F ORP and MSRPS service that totals less than 25 years, if the individual is entitled to receive both a Maryland ORP retirement benefit and a MSRPS retirement benefit, and if each retirement system (ORP and MSRPS) independently suppts health benefits participation with State subsidy, the amount of subsidy that is independently suppted by each system can be combined. If all Maryland ORP and MSRPS service is repted, the retiree will receive the crect amount of State subsidy to which he/she is entitled. Note: ORP retirees have contacted the Employee Benefits Division months (even years) after their ORP retirement began, to ask why they didn t get credit f their other State of Maryland employment. The other Maryland State service must be presented at the time of retirement in der f the Employee Benefits Division to make a timely determination. 4. If an ORP retiree did not have any Maryland State service other than ORP service, does he/she have to submit Fms 3 and 4? No. By simply checking the statement and signing in Box C on the Checklist (Fm 1, side 2 of the ORP Retiree Health Benefits Enrollment Packet), the retiree can indicate that no Maryland State service other than ORP service is being claimed and will not have to submit Fms 3 and On Fm 1, will the exact dates of employment with ORP participation be required, just the month and year? If the exact date is unknown, the month and year will be acceptable. 6. Is the ORP Enrollment Packet only to be used by the University System of Maryland? No, the ORP Enrollment Packet is to be used by all Maryland ORP retirees. Maryland State institutions of higher education include the following: University System of Maryland, Baltime City Community College, Mgan State University, St. Mary s College, and the Maryland Higher Education Commission Can the surviving spouse of an ORP retiree continue their health benefits coverage upon the retiree s death?

11 As long as the surviving spouse is receiving a periodic distribution from the deceased retiree s Maryland ORP account, the surviving spouse can enroll in health benefits by submitting a Retiree Health Benefits Enrollment Fm along with Fm 5, Verification of Maryland ORP Retirement to confirm that he/she receives a periodic distribution from the Maryland ORP. The beneficiary would receive the same ption of subsidy, if any, that the deceased retiree received f dependent If the surviving spouse has already been confirmed by the Employee Benefits Division as a joint annuitant on a dual life annuity, Fm 5 is not required; the beneficiary must only submit a Retiree Health Benefits Enrollment Fm. 8. Can an ORP retiree who is receiving 10-year periodic distribution from the Maryland ORP participation in retiree health benefits? Yes, as long as the retiree meets the criteria f participation in retiree health benefits, but only f the duration in which a periodic distribution is received. If distributions are set up to end in 10 years, health benefits eligibility will also end in 10 years. 9. If an individual s Maryland ORP service with contributions is equal to 16 years of full-time service, will he/she get the maximum State subsidy f the individual ption of premiums? An ORP retiree with service equal to 16 years of full-time service will only receive the maximum subsidy f the individual ption of premiums if the retirement directly follows his/her ORP service with a Maryland State institution of higher education. An individual who takes a deferred ORP retirement and ended his/her ORP service with a Maryland State institution of higher education with at least 16 but less than 25 years of full-time service will be eligible to participate in retiree health benefits in the month he/she receives the first periodic distribution from his/her Maryland ORP account; however, no State subsidy will be provided even f the individual ption of premiums. 10. What is the State subsidy f a retiree who has 16 years of combined ORP and non-orp service and only needs individual coverage? COMAR does not speak about combining ORP and State service f enrollees with less than 25 years of service as an employee of the State. A retiree with less than 25 years of State service who retires from me than one system (i.e., his/her Maryland ORP account and a MSRPS retirement) and is eligible f a health benefits subsidy under both and 2-509, each independently of the other, may combine the State subsidy that is independently suppted by each system. 11. Does time during a sabbatical count? Yes, the time would be pro-rated based on the percentage of pay received while on sabbatical. 12. If an employee wks through January, but does not receive the first periodic retirement check until March, is this considered a direct retirement? Yes, the retirement would be considered a direct retirement if the first periodic distribution is received within 60 days of ending ORP service with a Maryland State institution. However, retiree health benefits cannot begin until the month in which you receive your first periodic distribution. In the scenario above, retiree health benefits would become available on March 1 st. If active employee health benefits end on January 31 st, the only option f coverage between January 31 st and March 1 st would be under the Consolidated Omnibus Budget Reconciliation Act (COBRA) with no State subsidy and a 2% administrative fee. 7

12 COMBINING SERVICE SUBSIDY Scenarios Wksheet

13 Combining Service Subsidy The rules, laws and regulations governing participation and State subsidy in the Program are charted below and are applied to several scenarios on the following pages; SPP f the Optional Retirement Program (ORP) and SPP f the State Retirement and Pension System (MSRPS). In addition to the infmation charted below: If ORP and MSRPS service totals 25 years me, service from both systems can be combined; ORP and MSRPS service cannot be combined if the total is less than 25 years; however, if Program participation with State subsidy is suppted independently by me than one system, the percentage of maximum State subsidy independently suppted by each system can be combined. Maryland ORP - with Contributions State Retirement - Creditable Service Maryland ORP Service requirements to be eligible f Program participation, in accdance with SPP 2-509: MSRPS Service requirements to be eligible f Program participation, in accdance with SPP 2-508: Direct Retirement Deferred Retirement Direct Retirement Deferred Retirement Equal to at least five years of Equal to at least 16 At least five years of Ended State service with at full-time service with ORP years of full-time service least 16 years of creditable contributions. with ORP contributions; service; Ended service with a Maryland State institution of higher education when at least age 57 with service equal to at least 10 years of full-time service with ORP contributions. If ORP eligibility requirements above are met f Program participation, State subsidy is determined as follows: Service equal to at least five, but less than 16 years of full-time Pro-rated subsidy f Retiree coverage, but No subsidy f Service equal to at least 16, but less than 25 years of fulltime Retiree coverage, but No subsidy f Service equal to at least 25 years of full-time service (can be combined with MSRPS service): Retiree and Service equal to less than 25 years of full-time No subsidy f Retiree Service equal to at least 25 years of full-time service (can be combined with MSRPS service): Retiree coverage and A Disability Retirement. Ended State service within five years of nmal retirement age, with at least 10 years of A Disability Retirement. If MSRPS eligibility requirements above are met f Program participation, State subsidy is determined as follows: At least five, but less than 16 years of creditable Pro-rated subsidy f Retiree and Dependent At least 16 years of Retiree and A Disability Retirement: Retiree and At least 10, but less than 16 years of Pro-rated subsidy f Retiree and At least 16 years of Retiree and Dependent A Disability Retirement: Retiree and Note regarding a Deferred ORP Retirement: No State Subsidy f retiree dependents if total State service is less than 25 years of full-time service (ORP service and State service can be combined if the total service equals 25 years me). 9

14 SCENARIO 1: An individual wked f a Maryland State institution of higher education in a full-time position f six years while participating in the ORP system and ended employment with the institution without retiring. He returned to State Service f 12 years as a regular State employee with participation in the State Employees Pension System (EPS) and retired directly from the EPS. Direct Retirement with years of Service Maryland ORP Retirement X Deferred Retirement at age _(n/a) with 6 years of Service Requirements f Program Participation Service equal to at least five ORP contributions. Service equal to at least 16 ORP contributions; Ended service with a Maryland State institution of higher education when at least age 57 with service equal to at least 10 years of full-time service with ORP contributions. State subsidy f Eligible ORP Retirees X Direct Retirement with _12 years of Creditable Service MSRPS Retirement Deferred Retirement at age with years of Creditable Service Requirements f Program Participation X At least five years of Ended State service with at least 16 years of creditable service; Ended State service within five years of nmal retirement age, with at least 10 years of State subsidy f Eligible MSRPS Retirees Service equal to at least five, but less than 16 years of full-time Pro-rated subsidy f Individual coverage, but No subsidy f Service equal to at least 16, but less than 25 years of fulltime Individual coverage, but No subsidy f Service equal to at least 25 years of full-time service (can be combined with MSRPS service): Service equal to less than 25 years of full-time No subsidy f Individual Service equal to at least 25 years of full-time service (can be combined with MSRPS service): Individual coverage and X At least five, but less than 16 years of Pro-rated subsidy f At least 16 years of At least 10, but less than 16 years of creditable Pro-rated subsidy f Dependent At least 16 years of Dependent Dependent Individual and Combining Service: Service from both systems cannot be combined, since the total service is less than 25 years. Combining State subsidy: State subsidy f Individual Coverage State subsidy f Dependent Coverage Suppted by ORP None (not eligible f participation) None (not eligible f participation) Suppted by MSRPS 12/16 th of maximum amount 12/16 th of maximum amount Combined subsidy n/a n/a 10

15 SCENARIO 2: An individual wked f a State agency f 12 years as a participant in the State Employees Pension System and ended State service at age 59. He subsequently began full-time employment with a Maryland State institution of higher education as an ORP participant f five years befe ending his Maryland ORP service and immediately receiving a periodic distribution from his Maryland ORP account as well as a deferred EPS retirement. X Direct Retirement with 5_ years of Service Maryland ORP Retirement Deferred Retirement at age with years of Service Requirements f Program Participation Direct Retirement with years of Service MSRPS Retirement X Deferred Retirement at age 59_with 12_ years of Creditable Service Requirements f Program Participation X Service equal to at least five ORP contributions. Service equal to at least 16 ORP contributions; Ended service with a Maryland State institution of higher education when at least age 57 with service equal to at least 10 years of full-time service with ORP contributions. At least five years of Ended State service with at least 16 years of creditable service; X Ended State service within five years of nmal retirement age, with at least 10 years of State subsidy f Eligible ORP Retirees State subsidy f Eligible MSRPS Retirees X Service equal to at least five, but less than 16 years of full-time Pro-rated subsidy f Individual coverage, but No subsidy f Service equal to at least 16, but less than 25 years of fulltime Individual coverage, but No subsidy f Service equal to at least 25 years of full-time service (can be combined with MSRPS service): Service equal to less than 25 years of full-time No subsidy f Individual Service equal to at least 25 years of full-time service (can be combined with MSRPS service): Individual coverage and At least five, but less than 16 years of Pro-rated subsidy f At least 16 years of X At least 10, but less than 16 years of creditable Pro-rated subsidy f Dependent At least 16 years of Dependent Dependent Individual and Combining Service: Service from both systems cannot be combined, since the total service is less than 25 years. Combining State subsidy: State subsidy f Individual Coverage State subsidy f Dependent Coverage Suppted by ORP 5/16 th of maximum amount None Suppted by MSRPS 12/16 th of maximum amount 12/16 th of maximum amount Combined subsidy 17/16 th (maximum amount f 16/16 th me) 12/16 th of maximum amount 11

16 SCENARIO 3 An individual wked full-time f 12 years with a Maryland State institution of higher education as an ORP participant and ended service with the Maryland State institution of higher education at age 59 but did not begin receiving a periodic distribution from the Maryland ORP at that time. He subsequently began employment with another State agency and wked eight years while a participant in the State Employees Pension System befe retiring directly from that position. Direct Retirement with years of Service Maryland ORP Retirement X Deferred Retirement at age _59 with _12 years of Service Requirements f Program Participation X Direct Retirement with 8 years of Service MSRPS Retirement Deferred Retirement at age with years of Creditable Service Requirements f Program Participation Service equal to at least five ORP contributions. Service equal to at least 16 ORP contributions; X Ended service with a Maryland State institution of higher education when at least age 57 with service equal to at least 10 years of full-time service with ORP contributions. X At least five years of Ended State service with at least 16 years of creditable service; Ended State service within five years of nmal retirement age, with at least 10 years of State subsidy f Eligible ORP Retirees State subsidy f Eligible MSRPS Retirees Service equal to at least five, but less than 16 years of full-time Pro-rated subsidy f Individual coverage, but No subsidy f Service equal to at least 16, but less than 25 years of fulltime Individual coverage, but No subsidy f Service equal to at least 25 years of full-time service (can be combined with MSRPS service): X Service equal to less than 25 years of full-time No subsidy f Individual Service equal to at least 25 years of full-time service (can be combined with MSRPS service): Individual coverage and X At least five, but less than 16 years of Pro-rated subsidy f At least 16 years of At least 10, but less than 16 years of creditable Pro-rated subsidy f Dependent At least 16 years of Dependent Dependent Individual and Combining Service: Service from both systems cannot be combined, since the total service is less than 25 years. Combining State subsidy: State subsidy f Individual Coverage State subsidy f Dependent Coverage Suppted by ORP None None Suppted by MSRPS 8/16 th of maximum amount 8/16 th of maximum amount Combined subsidy n/a n/a 12

17 SCENARIO 4 An individual participated in the ORP f 16 years while wking full-time f a Maryland State institution of higher education. He left the State institution but did not immediately begin receiving a periodic distribution from the Maryland ORP. He subsequently wked f nine years with another State agency as a member of the State Employees Pension System and retired directly from State service. Direct Retirement with years of Service Maryland ORP Retirement X Deferred Retirement at age _(n/a)_ with _16 years of Service Requirements f Program Participation Service equal to at least five ORP contributions. X Service equal to at least 16 ORP contributions; Ended service with a Maryland State institution of higher education when at least age 57 with service equal to at least 10 years of full-time service with ORP contributions. State subsidy f Eligible ORP Retirees X Direct Retirement with _ 9 years of Service MSRPS Retirement Deferred Retirement at age with years of Creditable Service Requirements f Program Participation X At least five years of Ended State service with at least 16 years of creditable service; Ended State service within five years of nmal retirement age, with at least 10 years of State subsidy f Eligible MSRPS Retirees Service equal to at least five, but less than 16 years of full-time Pro-rated subsidy f Individual coverage, but No subsidy f Service equal to at least 16, but less than 25 years of fulltime Individual coverage, but No subsidy f Service equal to at least 25 years of full-time service (can be combined with MSRPS service): Service equal to less than 25 years of full-time No subsidy f Individual X Service equal to at least 25 years of full-time service (can be combined with MSRPS service): Individual coverage and X At least five, but less than 16 years of Pro-rated subsidy f At least 16 years of At least 10, but less than 16 years of creditable Pro-rated subsidy f Dependent At least 16 years of Dependent Dependent Individual and Combining Service: Service from both systems can be combined, since the combined service totals at least 25 years. Combining State subsidy: State subsidy f Individual Coverage State subsidy f Dependent Coverage Suppted by ORP Maximum amount (25 years of State service) Maximum amount (25 years of State service) Suppted by MSRPS 9/16 th of maximum amount 9/16 th of maximum amount Combined subsidy n/a (already maximum f combined service) n/a (already maximum f combined service) 13

18 SCENARIO 5 An individual wked f five years with a Maryland State institution of higher education while participating in the State Employees Pension System. He left that position f another full-time position with the same State institution and participated in the Maryland ORP. After six years, he ended service with the Maryland institution and immediately began receiving a periodic distribution from the Maryland ORP as well as a deferred EPS retirement. X Direct Retirement with 6 years of Service Maryland ORP Retirement Deferred Retirement at age with years of Service Requirements f Program Participation X Service equal to at least five ORP contributions. Service equal to at least 16 ORP contributions; Ended service with a Maryland State institution of higher education when at least age 57 with service equal to at least 10 years of full-time service with ORP contributions. State subsidy f Eligible ORP Retirees Direct Retirement with years of Service MSRPS Retirement X Deferred Retirement at age _(n/a) with 5 years of Creditable Service Requirements f Program Participation At least five years of Ended State service with at least 16 years of creditable service; Ended State service within five years of nmal retirement age, with at least 10 years of State subsidy f Eligible MSRPS Retirees X Service equal to at least five, but less than 16 years of full-time Pro-rated subsidy f Individual coverage, but No subsidy f Service equal to at least 16, but less than 25 years of fulltime Individual coverage, but No subsidy f Service equal to at least 25 years of full-time service (can be combined with MSRPS service): Service equal to less than 25 years of full-time No subsidy f Individual Service equal to at least 25 years of full-time service (can be combined with MSRPS service): Individual coverage and At least five, but less than 16 years of Pro-rated subsidy f At least 16 years of At least 10, but less than 16 years of creditable Pro-rated subsidy f Dependent At least 16 years of Dependent Dependent Individual and Combining Service: Service from both systems cannot be combined, since the total service is less than 25 years. Combining State subsidy: State subsidy f Individual Coverage State subsidy f Dependent Coverage Suppted by ORP 6/16 th of maximum amount None Suppted by MSRPS None (not eligible f participation) None (not eligible f participation) Combined subsidy n/a n/a 14

19 SCENARIO 6 An individual wked f five years as a State employee while participating in the State Employees Pension System. He left that position f a position with a Maryland State institution of higher education as a participant in the Maryland ORP. He wked f 20 years at the State institution befe retiring directly from the Maryland ORP. X Direct Retirement with 20_ years of Service Maryland ORP Retirement Deferred Retirement at age with years of Service Requirements f Program Participation X Service equal to at least five ORP contributions. Service equal to at least 16 ORP contributions; Ended service with a Maryland State institution of higher education when at least age 57 with service equal to at least 10 years of full-time service with ORP contributions. State subsidy f Eligible ORP Retirees Direct Retirement with years of Service MSRPS Retirement X Deferred Retirement at age _(n/a)_ with _5 years of Creditable Service Requirements f Program Participation At least five years of Ended State service with at least 16 years of creditable service; Ended State service within five years of nmal retirement age, with at least 10 years of State subsidy f Eligible MSRPS Retirees Service equal to at least five, but less than 16 years of full-time Pro-rated subsidy f Individual coverage, but No subsidy f Service equal to at least 16, but less than 25 years of fulltime Individual coverage, but No subsidy f X Service equal to at least 25 years of full-time service (can be combined with MSRPS service): Service equal to less than 25 years of full-time No subsidy f Individual Service equal to at least 25 years of full-time service (can be combined with MSRPS service): Individual coverage and At least five, but less than 16 years of Pro-rated subsidy f At least 16 years of At least 10, but less than 16 years of creditable Pro-rated subsidy f Dependent At least 16 years of Dependent Dependent Individual and Combining Service: Service from both systems can be combined, since the combined service totals at least 25 years. Combining State subsidy: State subsidy f Individual Coverage State subsidy f Dependent Coverage Suppted by ORP Maximum amount (25 years of State service) Maximum amount (25 years of State service) Suppted by MSRPS n/a (not eligible f participation ) n/a (not eligible f participation) Combined subsidy n/a n/a 15

20 Eligibility and State Subsidy Wksheet Use the wksheet below to find out if will be eligible to enroll in health benefits upon retirement. ORP and MSRPS service can only be combined if the total service is 25 years me. If you have ORP and MSRPS service that totals less than 25 years, if Program participation with State subsidy is independently suppted by each system, the percentage of maximum State subsidy independently suppted by each system can be combined. Direct Retirement with years of Service Maryland ORP Retirement Deferred Retirement at age with years of Service Requirements f Program Participation Service equal to at least five ORP contributions. Service equal to at least 16 ORP contributions; Ended service with a Maryland State institution of higher education when at least age 57 with service equal to at least 10 years of full-time service with ORP contributions. If you will be eligible to enroll in retiree health benefits, choose the applicable description below to find out if you will receive any State subsidy f retiree health benefits. Direct Retirement with years of Creditable Service MSRPS Retirement Deferred Retirement at age with years of Creditable Service Requirements f Program Participation At least five years of Ended State service with at least 16 years of creditable service; Ended State service within five years of nmal retirement age, with at least 10 years of If you will be eligible to enroll in retiree health benefits, choose the applicable description below to find out the ption of State subsidy you will receive. Service equal to at least five, but less than 16 years of full-time Pro-rated subsidy f Individual coverage, but No subsidy f Service equal to at least 16, but less than 25 years of fulltime Individual coverage, but No subsidy f Service equal to at least 25 years of full-time service (can be combined with MSRPS service): Service equal to less than 25 years of full-time No subsidy f Individual Service equal to at least 25 years of full-time service (can be combined with MSRPS service): Individual coverage and At least five, but less than 16 years of Pro-rated subsidy f At least 16 years of At least 10, but less than 16 years of creditable Pro-rated subsidy f Dependent At least 16 years of Dependent Dependent Individual and Independently Suppted by ORP Service Independently Suppted by MSRPS Service Combined ORP subsidy and MSRPS subsidy 16 State subsidy f Individual Coverage State subsidy f Dependent Coverage

21 DEFINITIONS DEFINITIONS

22 Creditable Service service credited toward the SPP Division II allowance; Division II plans are generally the Maryland State Retirement and Pension System plans. SPP 2-508(a)(2). Deferred ORP Retirement receiving a periodic distribution from a Maryland ORP account that did not begin directly upon ending service with a Maryland State institution of higher education. Direct ORP Retirement receiving a periodic distribution from a Maryland ORP account that began directly upon ending service with a Maryland State institution of higher education (generally within 60 days). Maryland State institutions of higher education University System of Maryland, Baltime City Community College, Mgan State University, St. Mary s College, and the Maryland Higher Education Commission Maryland State Retirement and Pension System Retiree a fmer State employee who is receiving a retirement allowance through the Maryland State Retirement and Pension System under SPP Division II SPP 2-508(a)(3) Maryland State Service employment with the State of Maryland while eligible f participation with the Maryland State Retirement and Pension System under Title 22 Title 23 of the Annotated Code of Maryland, State Personnel and Pensions Article ( another specifically listed Maryland State Retirement and Pension System plan); SPP 2-508(a)(4)(i) ORP Retiree a fmer employee of a Maryland State institution of higher education who is receiving a periodic distribution from a Maryland ORP account. Periodic Distribution Periodic payments, received no less frequently than annually, from a Maryland ORP account f a specified period of time. Periodic payments may be based on a participant s life expectancy; however, if payments end, health insurance eligibility also ends. State Subsidy the ption of health benefit premiums paid on the Retiree s behalf by the State of Maryland; ORP retirees receive either maximum, pro-rated, no State subsidy f the individual retiree s ption of the premiums and either maximum no State subsidy f the dependent ption of the premiums. (F me infmation on State Subsidy, see Optional Retirement Program (ORP) Retirees, Eligibility and State Subsidy Amount, on page 5 of this handbook.) 18

23 ANNOTATED CODE OF MARYLAND Personnel and Pensions Subtitle 5. Health and Welfare Benefits Program ORP Retirees State Retirees ANNOTATED CODE OF MARYLAND

24 Personnel and Pensions The following infmation is copied from the Annotated Code of Maryland, Personnel and Pensions Article, Subtitle 5, HEALTH AND WELFARE BENEFITS PROGRAM In this handbook, the der has been reversed so that infmation pertaining to Optional Retirement Program (ORP) retirees that is found in has been placed befe infmation pertaining to State Retirement and Pension System retirees that is found in T he following infmation pertains to Optional Retirement Program retirees: Same - Employees with optional retirement. (a) Who may enroll. - (1) Subject to paragraph (2) of this subsection, an individual may enroll and participate in the health insurance benefit options established under the Program if the individual retired under an optional program under Title 30 of this article and: (i) ended service with a State institution of higher education with at least 10 years of service and was at least age 57; (ii) ended service with a State institution of higher education with at least 16 years of service; (iii) retired directly from and had at least 5 years of service with a State institution of higher education with a periodic distribution of benefits on after July 1, (2) (i) F purposes of this subsection only, years of service shall be calculated as follows: 1. except as provided in subparagraph (ii) of this paragraph, a year of service means a period of 12 months during which an employee was a participant in an optional retirement program under Title 30 of this article and the participant's employer made contributions to the participant's account in the Program; 2. if an employee's wk year is an academic year of at least 9 but less than 12 months, a year of service means a period equal to the academic year during which an employee was a participant in an optional retirement program under Title 30 of this article and the participant's employer made contributions to the participant's account in the Program. (ii) To determine eligibility f health insurance benefits under this section, each year of service shall be multiplied by the participant's percentage of full-time employment f that year of service. (3) The surviving spouse dependent child of a deceased individual who was eligible to enroll may enroll and participate in the health insurance benefit options established under the Program as long as the spouse child is receiving a periodic distribution of benefits under an optional retirement program under Title 30 of this article. 20

25 (b) State subsidy. - (1) An enrollee under this section who was in service with a State institution of higher education at the time of the retirement is entitled to the same State subsidy allowed a retiree under of this subtitle. However, except as provided in paragraph (2) of this subsection, the subsidy shall apply only to the costs of coverage f the enrollee and may not apply to any additional costs of coverage f the enrollee's spouse children. (2) If the enrollee has 25 me years of service as an employee of the State in the Executive, Legislative, Judicial Branch of government, the enrollee the enrollee's surviving spouse dependent child is entitled to the same State subsidy allowed a retiree with 16 me years of creditable service under 2-508(c)(1) of this subtitle. T he following infmation pertains to State Retirement and Pension System retirees: Same Retirees (a) Definitions. - (1) In this section the following wds have the meanings indicated. (2) "Creditable service" means: (i) service credited toward a retirement allowance under Division II of this article; (ii) service while a member of the Judges' Retirement System under Title 27 of this article; (iii) service while an employee was employed by the Domestic Relations Division of the Anne Arundel County Circuit Court, pri to transfer on befe July 1, 2002 into the State Personnel Management System, in accdance with of the Courts Article; (iv) service while a member of the Maryland Transit Administration Retirement Plan under of the Transptation Article. (3) (i) "Retiree" means: 1. a fmer State employee who receives a retirement allowance under Division II of this article; 2. a fmer employee of the Medical System Cpation, as defined in of the Education Article who receives a retirement allowance from the Employees' Retirement System of the State of Maryland the Employees' Pension System of the State of Maryland under Title 22 Title 23 of this article; 3. a fmer employee of the Maryland Transit Administration who receives a Maryland Transit Administration retirement allowance under of the Transptation Article. ii) "Retiree" does not include: 1. a member of the faculty staff of a community college; 2. a teacher a staff member employed by a county board of education; 3. an individual who retired under an optional program under Title 30 of this article. 21

26 (4) "State service" means service with the State by: (i) an employee while a member of the Employees' Retirement System the Employees' Pension System under Title 22 Title 23 of this article; (ii) a member of the Judges' Retirement System under Title 27 of this article; (iii) a teacher while a member of the Teachers' Retirement System Teachers' Pension System under Title 22 Title 23 of this article; (iv) a crectional officer, while a member of the Crectional Officers' Retirement System under Title 25 of this article; (v) an employee of the Medical System Cpation, as defined in of the Education Article while a member of the Employees' Retirement System of the State of Maryland the Employees' Pension System of the State of Maryland under Title 22 Title 23 of this article; (vi) a State Police officer while a member of the State Police Retirement System under Title 24 of this article; (vii) a law enfcement officer while a member of the Law Enfcement Officers' Pension System under Title 26 of this article; (viii) an employee while a member of the Maryland Transit Administration Plan under of the Transptation Article. (b) Participation in health insurance benefit options; applicability. - (1) A retiree may enroll and participate in the health insurance benefit options established under the Program if the retiree: (i) ended State service with at least 10 years of creditable service and within 5 years befe the age at which a vested retirement allowance nmally would begin; (ii) ended State service with at least 16 years of (iii) ended State service on befe June 30, 1984; (iv) retired directly from State service with a State retirement allowance on after July 1, 1984, and had at least 5 years of (v) retired directly from State service with a State disability retirement allowance on after July 1, (2) (i) The surviving spouse dependent child of a deceased retiree who was eligible to enroll may enroll and participate in the health insurance benefit options established under the Program as long as the spouse child is receiving a periodic allowance under Division II of this article the Maryland Transit Administration Retirement Plan under of the Transptation Article. 22

27 (ii) Subparagraph (i) of this paragraph does not apply to a deceased retiree's spouse dependent child who receives an Option 1, Option 4, Option 7 benefit under Division II of this article a lump- payment of benefits under the Maryland Transit Administration Retirement Plan under of sum the Transptation Article. (c) State subsidy entitlement. - (1) If a retiree receives a State disability retirement allowance has 16 me years of creditable service, the retiree the retiree's surviving spouse dependent child is entitled to the same State subsidy allowed a State employee. (2) In all other cases, if a retiree has at least 5 years of creditable service, the retiree the retiree's surviving spouse dependent child is entitled to 1/16 of the State subsidy allowed a State employee f each year of the retiree's creditable service up to 16 years. (3) Notwithstanding paragraph (2) of this subsection and subsection (a)(4)(i) of this section, if a retiree is an additional employee agent of the State Racing Commission, f the purposes of determining a retiree's State subsidy, creditable service shall be determined with respect to service as an additional employee agent beginning from the initial date of employment January 1, 1986, whichever is later. 23

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